It’s very very difficult to resurrect killed policies. Incredible financial and actuarial loss data goes into the devleopment of every single product. Then that has to be processed by each state where it will be sold and of course the Feds. They are very regulated and very complicated.
And they are based on the fact that customers will retain them for years on average. When both insurer and customer knows their marriage is over in a year, gone is any incent to be honest and protect the relationship.
Its an Obama pipe dream.
That is what I suspected. I would expect that the day after they finish working on a plan/product for the coming year they begin working on that same plan/product for the year after that in an ongoing process that brings in new data and configures it to the desired outcome. The outcome being a consistent product with minimal changes to coverage, cost and profit.